Pengaruh Dana Pihak Ketiga, Rasio Kecukupan Modal Dan Tingkat Bunga Kredit Terhadap Jumlah Kredit Yang Disalurkan Bank (Studi Pada Bank Pemerintah Periode 2011-2013)

Abstract

Bank is a financial institution whose business activities are collecting funds from the public as savings and distribute as credit or other. Loan in the bank\u27s business activities have the largest share of funds distribution. Standard of loans can affect bank earnings. To increase the loan sector, the bank takes account the source of funds raised from third party investors, internal reinforcement in the capital adequacy ratio and consider the policy of interest rate loan to customers. This research have a goal to determine the significant influence of third party funding (DPK), capital adequacy ratio (CAR) and interest rate loans (prime lending rate) of the total distributed loans of government banks period 2011-2013. The research method used is explanatory research. The test results show the influence of simultaneous variables third party funds, capital adequacy ratio and the prime lending rate of the total outstanding loans. Testing variable DPK, CAR and partially to the prime lending rate of loans outstanding have different results. Variable of funds third party has positive effect and significant that also puts as a variable that is dominant, while the variable of capital adequacy ratio and prime lending rate have negative effect and not significant